A couple of the top-rated life insurance carriers I work with are now offering true non-tobacco rates for tobacco users that don’t smoke cigarettes. Make no mistake: these aren’t gimmicks like small face amount policies or products that are priced so poorly to begin with it isn’t a big deal. Term life and permanent policies […]

Summary: Mortgage Protection is just life insurance. Life insurance is extremely important and most people don’t have enough of it. Most people that purchased life insurance after responding to a direct mail solicitation for “Mortgage Protection” are paying way too much for their policy. In many cases you can get a new policy and save […]

Currently I have three top carriers that will consider applicants with a well-controlled HIV+ diagnosis. I’d anticipate that by the end of 2016 there will be half a dozen or more. Six months ago the number was zero. For people and families living with this health status, this is incredibly exciting news. For decades the […]

For the last few weeks, social media, conventional media, your holiday celebrations, and your water cooler conversations have been full of talk about “New Year’s Resolutions.” Those of you reading this doubtlessly are familiar with the cycle of broken resolutions despite the best of intentions. I’ve come to the conclusion that the best time to […]

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